Benefit Amount
Up to Rs. 15 lakhLoan
✓ Government Verified✓ Direct Bank Transfer
ℹAbout Rashtriya Arogya Nidhi
Rashtriya Arogya Nidhi is a centrally sponsored scheme designed to provide financial assistance to patients suffering from serious life-threatening diseases who require expensive treatment but lack financial resources. The scheme aims to help economically weaker sections access quality healthcare and reduce the financial burden of treatment. Eligible patients can receive financial assistance up to Rs. 15 lakh for treatment of diseases like cancer, heart disease, kidney failure, liver transplant, and other serious conditions at approved government hospitals. The scheme covers both inpatient and outpatient treatment costs including surgery, chemotherapy, dialysis, and other critical treatments. Priority is given to Below Poverty Line (BPL) families and those with monthly income below Rs. 15,000. The assistance is provided as a loan that may be converted to a grant based on the patient's financial condition and treatment outcome.
Ministry
Ministry of Health and Family Welfare
✓Who Is Eligible?
Rashtriya Arogya Nidhi is available to all Indian citizens who are suffering from serious life-threatening diseases requiring expensive treatment. The primary eligibility criteria is based on family income, with the scheme prioritizing those with annual family income up to Rs. 1.5 lakh. Special priority is given to families below the poverty line (BPL) and those unable to afford treatment at approved government hospitals. There are no specific age restrictions mentioned, meaning both adults and children can apply if they meet other criteria. The scheme does not discriminate based on caste, religion, or gender. You must be seeking treatment at an approved government hospital recognized under this scheme. The financial assistance of up to Rs. 15 lakh is available for treatment of serious conditions including cancer, heart disease, kidney failure, liver transplant, and other critical illnesses. You will need to provide a medical diagnosis and recommendation from the treating hospital confirming the need for expensive treatment. The assistance is initially given as a loan, though it may be converted to a grant depending on your financial condition and treatment outcome. There are no specific occupation requirements, making the scheme accessible to unemployed persons, self-employed individuals, and wage workers alike. Check with your nearest government hospital or the Ministry of Health and Family Welfare for any additional eligibility requirements specific to your state.
Quick eligibility check:
✓
Annual income below ₹1,80,000✓
Category: BPL, General, OBC, SC, ST📝How to Apply for Rashtriya Arogya Nidhi
To apply for Rashtriya Arogya Nidhi, follow these steps carefully. First, gather all required documents including your Aadhaar Card, income certificate, medical reports showing your diagnosis, and a recommendation letter from the hospital where you will receive treatment. Second, visit your nearest approved government hospital that participates in this scheme and meet with the hospital's social welfare department or patient assistance office. Third, submit your complete application form along with all supporting documents to the hospital authorities. They will verify your eligibility based on your family income and medical condition. Fourth, the hospital will assess your case and medical reports to confirm that you qualify for financial assistance under the scheme. Fifth, once approved, the hospital will disburse the financial assistance directly for your treatment costs. Sixth, keep all receipts and treatment records as these may be needed for loan conversion to grant based on your financial situation and treatment outcome. The entire process typically takes a few weeks, so apply as soon as possible after receiving your diagnosis. For the most current information and to locate approved hospitals near you, visit the Ministry of Health and Family Welfare website at mohfw.gov.in or contact your local health department office.
📄Documents Required9 required
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BPL Certificate (if applicable)📋
Medical Reports and Diagnosis Document📋
Hospital recommendation letter📋
Passport sized photographs?Frequently Asked Questions
1Who is eligible to apply for Rashtriya Arogya Nidhi?
Any Indian citizen suffering from serious life-threatening diseases requiring expensive treatment at approved government hospitals is eligible. Priority is given to Below Poverty Line (BPL) families and those with annual family income below Rs. 1.5 lakh. The applicant must have exhausted other available financial resources and must be recommended by the treating hospital.
2What is the maximum financial assistance available under this scheme?
The maximum financial assistance available is up to Rs. 15 lakh for treatment of serious diseases including cancer, heart disease, kidney failure, liver transplant, and other critical conditions. The actual amount is determined based on the treatment required, hospital costs, and the patient's financial condition.
3Is the assistance provided as a loan or grant?
The assistance is primarily provided as a loan. However, it may be converted to a grant (partial or full waiver) based on the patient's financial condition, treatment outcome, and ability to repay. The terms and conversion criteria are determined by the hospital and government authorities.
4Which diseases are covered under Rashtriya Arogya Nidhi?
The scheme covers serious life-threatening diseases including cancer, heart disease, organ transplants (kidney, liver, heart), diabetes complications, neurological disorders, and other critical illnesses requiring expensive treatment. The specific diseases covered may vary based on hospital facilities and government guidelines.
5How do I apply for this scheme?
Application is made through the treating hospital. The hospital's social worker or medical superintendent will assist in filling the application form along with required documents including income certificate, medical reports, and hospital recommendation. The application is then submitted to the concerned government health department for processing and approval.
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